Method and system for automatically returning margin of rented product

Abstract

The invention discloses a method and a system for automatically returning the margin of a rental product, and the method comprises the following steps: entering a project transaction process and returning the non-bid-winning margin if a user completes the payment of the margin and completes the normal transaction; after the project transaction process is entered, service fees and prices are paid, an authentication process is entered, and then bid winning deposit is returned; and if the user pays the cash deposit for bidding and gives up a transaction, entering a transaction giving-up process, and then entering a cash deposit and price disposal stage which specifically comprises a cash deposit drawing-out process and a price drawing-out process. According to the method, the national asset leasing service is assisted in the aspects of flow and operation, a large amount of offline, manual and auditing intervention cost is reduced, the handling efficiency is effectively improved, and the national asset leasing service is promoted to form a complete service closed loop.

Description

Technical Field

[0001] The present invention relates to the technical field of bidding, and in particular to a method and system for automatically returning a deposit for a leased product. Background Art

[0002] The leasing auction model is a fully online leasing disposal solution for state-owned assets. It is a new model for enterprises to solve the disposal of state-owned assets using Internet thinking. In terms of model, value, method and timeliness, it not only helps enterprises to revitalize their fixed assets, but also creates rich financial return value. In the entire fully online leasing marketing plan, a closed loop of display, registration, bidding, contract signing and other businesses is achieved.

[0003] However, the handling of the original auction deposit is complex and changeable due to the existence of many different situations. It is the first problem that must be solved when implementing an online solution. Summary of the invention

[0004] The purpose of the present invention is to provide a method and system for automatically returning a rental product deposit to solve the problems raised in the above-mentioned background technology.

[0005] To achieve the above object, the present invention provides the following technical solution: a method for automatically returning a deposit for a rental product, comprising the following steps:

[0006] Step S1: After the user pays the deposit and the bidding is completed and the transaction is completed normally, the project transaction process will be entered and the non-winning deposit will be returned;

[0007] Step S2: After entering the project transaction process, pay the service fee and price, enter the authentication process, and then return the winning bid deposit;

[0008] Step S3: After the user pays the deposit and the bidding is completed, if the user gives up the transaction, the transaction giving up process will be entered, and then the deposit and price disposal stage will be entered, which specifically includes: the deposit transfer process and the price transfer process.

[0009] Preferably, the step S1 returns the non-winning bid deposit: the property rights have completed the handover process, connected with the payment tool, and the deposit is returned by the original route.

[0010] Preferably, the step S2 is to return the winning bid deposit: after the property rights have gone through the appraisal process, they are connected with the payment tool, the refund amount is calculated, and the deposit is returned by the original route.

[0011] Preferably, the step S3 is a process of transferring the deposit: after the property right has completed the process of transferring the deposit, it is connected with the payment tool; and a process of transferring the price: after the property right has completed the process of transferring the price, it is connected with the payment tool and the price is refunded by the original route.

[0012] Preferably, the user payment deposit mode is an online payment mode. The online payment module adopts the WeChat payment channel provided by the bank. By waking up the WeChat cashier, real-time payment is made through the bank card or WeChat wallet bound to the user's WeChat. After the payment is successful, the bank will record the relevant information of the payment link for subsequent refund business processing.

[0013] Preferably, the specific process of returning the deposit is as follows:

[0014] The return system is set with a threshold. If it is turned on, the return system will automatically return on T+1 day; if the threshold is not turned on, the business management personnel will need to manually confirm the return in the management system and then refund through the bank. The return system will also automatically process it on T+1 day.

[0015] Preferably, the user pays the deposit and the bidding is completed. After the bid is placed, after the customer communicates and confirms with the deposit management personnel, it is decided not to return the deposit. At this time, confirmation can be made in the system.

[0016] Preferably, the user pays the deposit and the bidding is completed. If the transaction is completed normally, the project transaction process will begin. After communication and confirmation with the deposit management personnel, it is decided to use the deposit as a service fee for this bidding and it will not be refunded. If the service fee amount is exactly equal to the deposit, no other operation is required; if the service fee amount is less than the deposit, the excess deposit can be refunded or converted into a deposit or rent based on confirmation by both parties.

[0017] Preferably, the deposit is converted into a security deposit: for the winning customer, after communication and confirmation with the security deposit management personnel, it is decided to use the security deposit as the contract deposit for this bidding, and it will not be refunded. If the deposit amount is greater than the security deposit, the customer still needs to pay the difference offline; if the deposit amount is exactly equal to the security deposit, no other operation is required; if the deposit amount is less than the security deposit, the excess security deposit can be refunded or converted into service fees or rent based on the confirmation of both parties;

[0018] The deposit converted into rent: For the successful bidder, after communication and confirmation with the deposit management personnel, it is decided to use the deposit as part of the rent for this bid and it will not be refunded.

[0019] A system for automatically returning a deposit for a leased product, comprising any one of the above-mentioned methods for automatically returning a deposit for a leased product, the system comprising: a deposit payment module, a module for returning a non-winning deposit, a module for returning a winning deposit, and a deposit and price disposal module;

[0020] The security deposit payment module pays the security deposit through the online payment module. The online payment module adopts the WeChat payment channel provided by the docking bank. By waking up the WeChat cashier, the user's WeChat-bound bank card or WeChat wallet is used for real-time payment. After the payment is successful, the bank will record the relevant information of the payment link for subsequent refund business processing;

[0021] The module for returning the non-winning bid deposit: after the property rights have completed the handover process, it will be connected with the payment tool and the deposit will be returned by the original route;

[0022] The module for returning the winning bid deposit: after the property rights have gone through the appraisal process, it will be connected with the payment tool, the refund amount will be calculated, and the deposit will be returned by the original route;

[0023] The deposit and price handling module includes a deposit handling unit and a price handling unit. The deposit handling unit: after the property rights have completed the deposit transfer process, it will be connected with the payment tool; the price handling unit: after the property rights have completed the price transfer process, it will be connected with the payment tool and the price will be refunded by the original route.

[0024] Compared with the prior art, the present invention has the following beneficial effects:

[0025] 1. Build a closed loop for the entire leasing business process, realize full online business, improve user participation and operation experience, and reduce manual operations and various costs;

[0026] 2. Realize the visualization of fund management and improve the work efficiency of financial personnel. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] Figure 1 It is a schematic diagram of the process of the present invention;

[0028] Figure 2 This is a flow chart of the deposit handling process of the present invention. DETAILED DESCRIPTION

[0029] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0030] See also Figure 1-2 The present invention provides a technical solution: a method for automatically returning a deposit for a rental product, comprising the following steps:

[0031] Step S1: After the user pays the deposit and the bidding is completed and the transaction is completed normally, the project transaction process will be entered and the non-winning deposit will be returned;

[0032] Step S2: After entering the project transaction process, pay the service fee and price, enter the authentication process, and then return the winning bid deposit;

[0033] Step S3: After the user pays the deposit and the bidding is completed, if the user gives up the transaction, the transaction giving up process will be entered, and then the deposit and price disposal stage will be entered, which specifically includes: the deposit transfer process and the price transfer process.

[0034] In the present invention, the step S1 returns the non-winning bid deposit: the property rights go through the completion handover process, connect with the payment tool, and return the deposit by the original route.

[0035] In the present invention, the step S2 returns the winning bid deposit: after the property rights have gone through the appraisal process, they are connected with the payment tool, the refund amount is calculated, and the deposit is returned by the original route.

[0036] In the present invention, the step S3 is a process of transferring the deposit: after the property right has completed the process of transferring the deposit, it is connected with the payment tool; the process of transferring the price: after the property right has completed the process of transferring the price, it is connected with the payment tool, and the price is refunded by the original route.

[0037] In the present invention, the user payment deposit mode is an online payment mode. The online payment module adopts the WeChat payment channel provided by the bank. By waking up the WeChat cashier, real-time payment is made through the bank card or WeChat wallet bound to the user's WeChat. After the payment is successful, the bank will record the relevant information of the payment link for subsequent refund business processing.

[0038] In the present invention, the specific process of returning the deposit is as follows:

[0039] The return system is set with a threshold. If it is turned on, the return system will automatically return on T+1 day; if the threshold is not turned on, the business management personnel will need to manually confirm the return in the management system and then refund through the bank. The return system will also automatically process it on T+1 day.

[0040] In the present invention, the user pays the deposit and the bidding is completed. After the bid is placed, after the customer communicates and confirms with the deposit management personnel, it is decided not to return the deposit. At this time, confirmation can be made in the system.

[0041] In the present invention, the user pays the deposit and the bidding is completed. If the transaction is completed normally, the project transaction process will be entered. After communication and confirmation with the deposit management personnel, it is decided to use the deposit as a service fee for this bidding and it will not be refunded. If the service fee amount is exactly equal to the deposit, no other operation is required; if the service fee amount is less than the deposit, the excess deposit can be refunded or converted into a deposit or rent based on confirmation by both parties.

[0042] In the present invention, the deposit is converted into a security deposit: for the winning customer, after communication and confirmation with the security deposit management personnel, it is decided to use the security deposit as the contract deposit for this bidding, and it will not be refunded. If the deposit amount is greater than the security deposit, the customer still needs to pay the difference offline; if the deposit amount is exactly equal to the security deposit, no other operation is required; if the deposit amount is less than the security deposit, the excess security deposit can be refunded or converted into service fees or rent according to the confirmation of both parties;

[0043] The deposit converted into rent: For the successful bidder, after communication and confirmation with the deposit management personnel, it is decided to use the deposit as part of the rent for this bid and it will not be refunded.

[0044] A system for automatically returning a deposit for a leased product, including the above-mentioned method for automatically returning a deposit for a leased product, the system comprising: a deposit payment module, a module for returning a non-winning deposit, a module for returning a winning deposit, and a deposit and price disposal module;

[0045] The security deposit payment module pays the security deposit through the online payment module. The online payment module adopts the WeChat payment channel provided by the docking bank. By waking up the WeChat cashier, the user's WeChat-bound bank card or WeChat wallet is used for real-time payment. After the payment is successful, the bank will record the relevant information of the payment link for subsequent refund business processing;

[0046] The module for returning the non-winning bid deposit: after the property rights have completed the handover process, it will be connected with the payment tool and the deposit will be returned by the original route;

[0047] The module for returning the winning bid deposit: after the property rights have gone through the appraisal process, it will be connected with the payment tool, the refund amount will be calculated, and the deposit will be returned by the original route;

[0048] The deposit and price handling module includes a deposit handling unit and a price handling unit. The deposit handling unit: after the property rights have completed the deposit transfer process, it will be connected with the payment tool; the price handling unit: after the property rights have completed the price transfer process, it will be connected with the payment tool and the price will be refunded by the original route.

[0049] The present invention: after the user pays the deposit and the bidding is completed and the transaction is completed normally, the project transaction process is entered and the non-winning deposit is returned: the property rights go through the transaction process, connect with the payment tool, and return the deposit by the original route; after entering the project transaction process, pay the service fee and the price, enter the authentication process, and then return the winning deposit: the property rights go through the authentication process, connect with the payment tool, calculate the refund amount, and return the deposit by the original route; after the user pays the deposit and the bidding is completed, and the transaction is abandoned, the transaction abandonment process is entered, and then the deposit and price disposal stage is entered, which specifically includes: the deposit debit process and the price debit process; after the user pays the deposit and the bidding is completed and the transaction is completed normally, the project transaction process is entered, and after communication and confirmation with the deposit management personnel, it is decided to use the deposit as the service fee for this bidding, and not to return it. If the service fee amount is exactly equal to the deposit, no other operation is required; if the service fee amount is less than the deposit, the excess deposit can be refunded or converted into a deposit or rent based on the confirmation of both parties; deposit to deposit: for the winning customer, after communication and confirmation with the deposit management personnel, it is decided to use the deposit as the contract deposit for this bid and not refund it. If the deposit amount is greater than the deposit, the customer still needs to pay the difference offline; if the deposit amount is exactly equal to the deposit, no other operation is required; if the deposit amount is less than the deposit, the excess deposit can be refunded or converted into a service fee or rent based on the confirmation of both parties; deposit to rent: for the winning customer, after communication and confirmation with the deposit management personnel, it is decided to use the deposit as part of the rent for this bid and not refund it.

[0050] The contents not described in detail in this specification belong to the prior art known to professional and technical personnel in the field. Although the embodiments of the present invention have been shown and described, it is understood by ordinary technicians in the field that various changes, modifications, substitutions and variations can be made to these embodiments without departing from the principle and spirit of the present invention. The scope of the present invention is defined by the attached claims and their equivalents.

Claims

1. A method for automatically returning a deposit for a rental product, characterized by: The steps include: Step S1: After the user pays the deposit and the bidding is completed and the transaction is completed normally, the project transaction process will be entered and the non-winning deposit will be returned; Step S2: After entering the project transaction process, pay the service fee and price, enter the authentication process, and then return the winning bid deposit; Step S3: After the user pays the deposit and the bidding is completed, if the user gives up the transaction, the transaction giving up process will be entered, and then the deposit and price disposal stage will be entered, which specifically includes: the deposit transfer process and the price transfer process.

2. A method for automatically returning a deposit for a rental product according to claim 1, characterized in that: The step S1 returns the non-winning bid deposit: the property rights have completed the handover process, connected with the payment tool, and the deposit is returned by the original route.

3. The method for automatically returning a deposit for a rental product according to claim 1, characterized in that: The step S2 returns the winning bid deposit: after the property rights have gone through the appraisal process, they are connected with the payment tool, the refund amount is calculated, and the deposit is returned by the original route.

4. The method for automatically returning a deposit for a rental product according to claim 1, characterized in that: The step S3 is the process of deposit transfer: after the property right has completed the process of deposit transfer, it will be connected with the payment tool; the process of price transfer: after the property right has completed the process of price transfer, it will be connected with the payment tool and the price will be refunded by the original route.

5. The method for automatically returning a deposit for a rental product according to claim 1, characterized in that: The user payment deposit mode is an online payment mode. The online payment module adopts the WeChat payment channel provided by the bank. By waking up the WeChat cashier, real-time payment is made through the bank card or WeChat wallet bound to the user's WeChat. After the payment is successful, the bank will record the relevant information of the payment link for subsequent refund business processing.

6. The method for automatically returning a deposit for a rental product according to claim 1, characterized in that: The specific process of returning the deposit is as follows: The return system is set with a threshold. If it is turned on, the return system will automatically return on T+1 day; if the threshold is not turned on, the business management personnel will need to manually confirm the return in the management system and then refund through the bank. The return system will also automatically process it on T+1 day.

7. The method for automatically returning a deposit for a rental product according to claim 1, characterized in that: The user pays the deposit and completes the bidding. After the bid is placed, after communication and confirmation between the customer and the deposit management personnel, it is decided not to return the deposit. At this time, confirmation can be made in the system.

8. The method for automatically returning a deposit for a rental product according to claim 1, characterized in that: Once the user pays the deposit and the bidding is completed and the transaction is completed normally, the project transaction process will begin. After communication and confirmation with the deposit management personnel, it will be decided to use the deposit as a service fee for this bidding and it will not be refunded. If the service fee amount is exactly equal to the deposit, no other operation is required; if the service fee amount is less than the deposit, the excess deposit can be refunded or converted into a deposit or rent based on confirmation by both parties.

9. The method for automatically returning a deposit for a rental product according to claim 8 is characterized by: The deposit is converted into a security deposit: for the winning customer, after communication and confirmation with the security deposit management personnel, it is decided to use the security deposit as the contract deposit for this bidding, and it will not be refunded. If the deposit amount is greater than the security deposit, the customer still needs to pay the difference offline; if the deposit amount is exactly equal to the security deposit, no other operation is required; if the deposit amount is less than the security deposit, the excess security deposit can be refunded or converted into service fees or rent based on the confirmation of both parties; The deposit converted into rent: For the successful bidder, after communication and confirmation with the deposit management personnel, it is decided to use the deposit as part of the rent for this bid and it will not be refunded.

10. A system for automatically returning a deposit for a rental product, characterized in that: The method for automatically returning the deposit of a leased product comprises the method as claimed in any one of claims 1 to 9, wherein the system comprises: a deposit payment module, a module for returning a non-winning deposit, a module for returning a winning deposit, and a module for handling a deposit and a price; The security deposit payment module pays the security deposit through the online payment module. The online payment module adopts the WeChat payment channel provided by the docking bank. By waking up the WeChat cashier, the user's WeChat-bound bank card or WeChat wallet is used for real-time payment. After the payment is successful, the bank will record the relevant information of the payment link for subsequent refund business processing; The module for returning the non-winning bid deposit: after the property rights have completed the handover process, it will be connected with the payment tool and the deposit will be returned by the original route; The module for returning the winning bid deposit: after the property rights have gone through the appraisal process, it will be connected with the payment tool, the refund amount will be calculated, and the deposit will be returned by the original route; The deposit and price handling module includes a deposit handling unit and a price handling unit. The deposit handling unit: after the property rights have completed the deposit transfer process, it will be connected with the payment tool; the price handling unit: after the property rights have completed the price transfer process, it will be connected with the payment tool and the price will be refunded by the original route.

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